8 Hour Florida SAFE Comprehensive 2018 MLO Continuing Education Course


8 Hour Course

Course ID: 10015

Approved By: NMLS

4.9 22 Reviews

Add to Cart (877) 724-6150

This continuing education class for mortgage loan originators is a great choice for those MLOs licensed in the Sunshine State. It covers all the requirements for the State and for the NMLS as well, with 7 hours of topics that include all the federal content required and then the one hour portion specific to the state of Florida also.

First, we will go through the history of mortgage lending in America, focusing on the history of the regulations themselves. We will then take you into a segment of the course pertaining to the passage of the federal SAFE Act as it followed the mortgage crisis of the early 2000s. Then some class time will be spent exploring those federal agencies that administer and oversee the SAFE Act and that provide further oversight for mortgage loan origination in America, and Florida. A discussion of TILA-RESPA integrated mortgage disclosure and its effect on MLOs will round out the first segment.

The course will then continue with a deeper look into ethics as they pertain to mortgage loan originators. Then we’ll also examine fair lending practices and consumer protections. We will look at the concepts of ethics and fair lending on a broader level as they generally apply in the field. During this segment we also cover the basics of what can constitute mortgage fraud and how a mortgage loan originator can help themselves to avoid these pitfalls. A segment of the course then provides an in-depth examination of lending standards for nontraditional mortgage loans that include mortgages like adjustable rate mortgages, subprime and high-cost loans, and reverse mortgages.

Finally, we will spend an hour of class time on the mortgage laws and practices of loan origination in the state of Florida specifically. This will include a discussion of the practices for mortgage loan originators and those that are prohibited by the state as well.

Our course will also provide in-text quizzes and current case studies so you’ll be able to spot-check your knowledge. These tools will all assist you in preparing for the final exam that comes at the conclusion of the class.

  • Module 1
    • Federal Law Update [24 Activities]
      • 01. 3 Hour SAFE Federal Law Update Module for 2018 for MLOs
      • 02. Where We're Going
      • 03. A History of Home Mortgages Up to the 1960s
      • 04. Equalizing Mortgage Opportunities and Deregulation
      • 05. Mortgages in the New Millennium and the 2008 Recession
      • 06. The SAFE Act and Registration of MLOs
      • 07. Rules for Mortgage Loan Originators
      • 08. Requirements for State Licensing and Registration of MLOs
      • View Additional Activities
        • 09. MLOs Must be Unique - (12CFR1007.105)
        • 10. The Consumer Financial Protection Bureau and its Function
        • 11. Administrative Tools Under the SAFE Act
        • 12. Regulation Z and ATR
        • 13. Qualified Mortgage Standard Under Regulation Z
        • 14. Examination Procedures for Mortgage Origination
        • 15. Loan Originator Compensation Rules under TILA
        • 16. Other Rules Under the SAFE Act
        • 17. Governing the Licensing and Registration of MLOs
        • 18. Integrated Mortgage Disclosures
        • 19. Disclosures Prior to October 3, 2015
        • 20. Disclosures Under TILA-RESPA After October 3, 2015
        • 21. More Information on Disclosures
        • 22. Average Costs and Tolerances for TRID
        • 23. Examples of Fees and Tolerances
        • 24. Conclusion of Class on Federal Mortgage Laws For MLOs
    • Federal Law Update Case Study (6 questions)
    • Federal Law Update Quiz (5 questions)
  • Module 2
    • BioSig Authentication - Middle#1
    • Ethics, Consumer Protection, and Fraud [17 Activities]
      • 01. Module 2: 2 Hour SAFE Ethics, Consumer Protection, and Fraud for 2018
      • 02. Consumer Protection and Fair Lending Practices
      • 03. The Mortgage Lending Industry and Ethics
      • 04. A Crisis of Trust for MLOs
      • 05. Principles of Ethics
      • 06. An Understanding of What Ethics is Not
      • 07. Ethical Duties
      • 08. Approaches to Ethical Decision Making
      • View Additional Activities
        • 09. The Ability to Repay/Qualified Mortgage Rule
        • 10. Fraud for Mortgage Loan Originators
        • 11. The Current State of Mortgage Fraud in America
        • 12. Mortgage Fraud Broken Down
        • 13. Fraud by Those Outside the Industry
        • 14. Fraud by Those Within the Industry
        • 15. Scams and Other Frauds
        • 16. Ending Mortgage Fraud
        • 17. Conclusion 2018 Consumer Protection and Fair Lending, Ethics, and Fraud 2 Hour Module
    • Ethics, Consumer Protection, and Fraud Case Study (6 questions)
    • Ethics, Consumer Protection, and Fraud Quiz (5 questions)
  • Module 3
    • BioSig Authentication - Middle#2
    • Nontraditional Mortgages [9 Activities]
      • 01. Module 3: 2 Hour SAFE Nontraditional Mortgages 2018 Module
      • 02. Nontraditional Mortgage Loans
      • 03. Reverse Mortgages
      • 04. 2017 Overhaul of the HECM Program
      • 05. Subprime Loans
      • 06. High-Cost Mortgages
      • 07. Adjustable-Rate Mortgages
      • 08. Lending Standards for Adjustable Rate Mortgages
      • 09. End of 2018 Nontraditional Mortgage Products 2 Hour Module
    • Nontraditional Mortgages Case Study (6 questions)
    • Nontraditional Mortgages Quiz (5 questions)
  • Module 4
    • Florida MLO Training [7 Activities]
      • 01. Florida Regulations for Mortgage Loan Originators
      • 02. Oversight of MLOs in Florida
      • 03. Loan Originators and Mortgage Brokers (Chapter 494, F.S.)
      • 04. General Provisions: Mortgage Guaranty Trust Fund
      • 05. Florida MLO News
      • 06. New Florida Laws and Amendments Affecting Lenders
      • 07. Conclusion
    • Florida MLO Case Study (1 questions)
    • Florida MLO Quiz (5 questions)
  • Course Completion
    • BioSig Authentication - End
    • Final Exam (25 questions)
    • Mandatory Questionnaire
    • MLO CE Feedback
    • Certificate of Completion

Instructor Bio

Mary Tillery real estate atyourpaceonline instructor
Mary Tillery, loan originator and Sales Manager at Guild Mortgage, in Grants Pass Oregon, has been actively involved in home lending since 1986. She has originated everything from first time homebuyers, to complex construction financing and reverse mortgages, besides all forms of more traditional lending. Mary combines her depth of knowledge with a sincere desire to know, love and serve her clients. She has been teaching home buying classes for 20+ years and loves to share her knowledge with not just her clients, but with people in the industry who are interested in growing.

Course Reviews

October 16th, 2018
I enjoyed it. I wish there was an easier way to review answers to questions in one easy pdf.

October 12th, 2018
excellent system very clean presentation easy to understand and use!

October 1st, 2018
Great Online Course

October 16th, 2018
Some of the slides took too long for the countdown to reach zero.

October 17th, 2018

October 17th, 2018

October 17th, 2018

October 13th, 2018

October 9th, 2018

October 8th, 2018

October 8th, 2018

October 3rd, 2018

October 1st, 2018

September 27th, 2018

September 25th, 2018

September 23rd, 2018

September 20th, 2018

September 18th, 2018

September 12th, 2018

September 11th, 2018

September 10th, 2018

October 12th, 2018